Free educational tools for Texas home buyers · Identify federal, state, and local homeownership assistance programs you may qualify for. Educational information only - not a loan offer or guarantee of eligibility.
Combine every Texas savings layer in one place. See cash-to-close, monthly PITI, and 30-year savings update as you adjust.
Your inputs
Layer 2 - State DPA
Layer 3 - Local DPA
Layer 4 - MCC
Layer 5 - Seller concession
Cash to close
$0
After every layer applied
Monthly PITI
$2,800
Principal + interest + tax + insurance
Total stacked savings
$47,656
At closing
30-yr lifetime savings
$83,656
Including MCC tax credits
Layer-by-layer breakdown
Layer 1 · FHA (3.5% down) loan
$313,625
Layer 2 · State DPA (5%)
−$15,681
Layer 3 · Local DPA
−$15,000
Layer 4 · MCC credit (annual)
−$2,000 / yr
Layer 5 · Seller concession
−$9,750
└ Buydown value (yrs 1–2)
$7,225
Estimated closing costs
$8,450
Buyer cash needed
$0
Illustrative. Program eligibility, concession caps, and MCC availability depend on your lender, county, and current funding. Always confirm with a Texas-experienced loan officer before relying on numbers in an offer.
